You May Not Have to Accept Your Healthcare Renewal Increase
Most employers assume they have no choice.
👉 That’s not always true.
Before you accept your renewal, find out if your organization qualifies for a better way to fund healthcare.
👉 See If You Qualify
👉 Get Your Risk Assessment
👉 Takes less than 2 minutes. No obligation.
You’re Already Going to Market....
You’re Just Only Letting Insurance Carriers Bid
👉 We help you open that process to institutional capital.
The Problem
In most health plans:
Fewer than 20% of employees meet their deductible
Employers still pay fixed premiums
Insurance carriers retain the surplus
When claims are low, the carrier wins.
When claims are high, your renewal increases.
Either way—the employer carries the outcome.
And the cycle repeats every year.
We Don't Start with Quotes
Most brokers start by requesting insurance quotes.
We start with a risk assessment.
Using the same data you already provide during renewal, we determine:
How healthy your population actually is
Whether your costs align with your risk
Whether you qualify for alternative funding strategies
Most employers never see this level of analysis.
Why Only Let Insurance Carriers Bid?
Most employers never realize they have another option.
You’re already taking your plan to market.
We help you determine whether institutional capital would be willing to compete as well.
Lock Your Healthcare Costs for 3 Years
👉 For qualified employers, this changes everything.
If your organization qualifies:
Your rate cannot increase for three years
All costs are included (claims, admin, stop-loss)
No renewal volatility
These structures are supported by institutional capital partners who participate because your population represents:
Low risk and predictable performance
Less than 50% of employers qualify
Why this works
Because your population is evaluated based on actual risk—not carrier pricing models.
👉 When the data supports it, capital follows.
Two Strategic Paths
If you qualify, you typically have two options:
3-year fixed rate
Predictable costs
Self Funded Rate Guarantee
Shared Risk
Potential Dividends
Captive Structure
The decision isn’t just what you qualify for—
it’s what your organization values.
Even if you don't qualify.....
There are still better options.
Not every employer qualifies for advanced structures.
But every employer benefits from understanding their risk.
We design strategies including:
Self Funded Programs
Level Funded Plans
Employer Captives
ICHRA Strategies
Optimized Fully Insured Plans
The goal is not simply to switch insurance carriers. The goal is to align healthcare funding with the organization’s risk profile and financial priorities.
Built on an Institutional Network
We operate within an ecosystem that includes:
Specialty underwriting firms
Advanced analytics platform
National TPA networks
Institutional capital partners
Some of the largest financial institutions in the world participate in these structures when employer populations demonstrate:
Low risk and predictable performance
WORLDWIDE